Specific Requirements for Different Investment Tiers

Specific requirements for any one of these tiers, such as what counts as a “completed project”?

To count toward your experience level and unlock higher leverage, Pro Business Group Inc. Capital division follows a specific set of rules for what qualifies as a “completed project.”

Here is the breakdown of those requirements and how they impact your borrowing power:

What Counts as a “Completed Project”?

For the Fix & Flip and Stabilized Bridge programs, a project is generally recognized if it meets these criteria:

Recency: The project must have been completed within the last 3 years.
Ownership: The property must have been owned by the Guarantor(s) of the loan.
Exit Strategy: For Fix & Flips, the property must have been bought, renovated, and successfully sold (or refinanced into a long-term loan).
Property Type Consistency:
- 1–4 Units: To get the best terms on a single-family flip, your experience should ideally be in 1–4 unit properties.
- 5+ Units: For Multi-Family bridge or rehab loans, our Pro Team looks for experience specifically with larger multi-family assets.

New Construction: The “Same State” Rule

The requirements for New Construction (Ground-Up) are more localized and stringent:

Geography: Projects must have been completed within the same state as the subject property you are currently seeking a loan for.
Complexity: You must show a track record of building from the “ground up”—standard renovations typically do not count toward New Construction experience levels.

Experience-Based Leverage Tiers

Depending on how many of the above projects you can document, your leverage shifts as follows:

Tier 1: The “Entry Level” Investor (0 Projects)

Focus: Safety and proof of concept.
Max Purchase LTC: 85% (You bring 15% down + closing costs).
Renovation: Pro Business Group Inc., still funds 100% of the rehab.
ARV Cap: Limited to 70%.

Tier 2: The “Mid-Tier” Investor (1–4 Projects)

Focus: Growth and reduced capital requirement.
Max Purchase LTC: 90% (You bring 10% down).
ARV Cap: Increases to 72.5% – 75%, allowing for a larger total loan amount if the property value supports it.

Tier 3: The “Professional” Investor (5+ Projects)

Focus: Maximum capital efficiency.
Max Purchase LTC: 92.5% – 95% (You bring as little as 5% down).
ARV Cap: 75%. This is the “Gold Standard” for high-volume flippers.

Important Verification Notes

HUD-1/Settlement Statements: You will need to provide closing statements from both the purchase and the sale of your previous projects to prove experience.
Entity vs. Individual: If you did the deals under a different LLC, you can usually still count them as long as you were a majority owner/guarantor of that entity.
Heavy vs. Light Rehab: Your experience level also dictates how “heavy” a rehab Pro Business Group Inc., will allow you to take on. If you have 0 experience, they may be hesitant to fund a “Heavy Rehab” (where the budget exceeds 100% of the initial property value).